I think something like Walmart should look at turning their couponomics into tokenomics - then it also wouldn't be "money" as the tokens, like coupons, could have negligible monetary value compared to their utility as discounts.
Walmart pays more than a million people every 2 weeks. Millions more go to Walmart to cash their paycheck. Walmart could save hundreds of millions of dollars by removing the monetary friction there, while also improving the lives of all those millions of people that use those services. For many families, saving $10-$20 per month on finacial services fees could make a big difference.
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